Biweekly Budget Planner

Track your spending, bills, savings and net worth in one biweekly budget planner that works offline in your browser. No spreadsheet, no subscription, no account.

Budget Flow is an interactive financial planner for anyone paid weekly, biweekly or monthly who wants their whole money picture on one screen — what is left to spend today, which bills are due, how the savings goals are filling, and whether net worth is going up.

What is included

• Monthly budget planner with needs, wants and savings split
• Income and expense tracker
• Daily safe-to-spend amount
• Days until your next paycheck
• Bill tracker with a visual due-date calendar
• Due-in-7-days alerts
• Automatic subscription detection
• Debt payoff tracker — snowball and avalanche
• Extra-payment slider showing years saved
• Your exact debt-free date
• Sinking funds with progress rings
• Savings goals with monthly amount needed
• Net worth tracker — assets against liabilities
• Savings rate and top-category analytics
• Budget against actual, month over month
• Recurring transactions
• Weekly, biweekly and monthly paycheck schedules
• Custom categories
• Search, filters and day-by-day grouping
• Import and export your records
• Print-ready reports
• Over 20 currencies
• Three themes including dark mode
• Three languages — English, Spanish and French

How it works

Open one file in the browser you already use. Nothing to install, no account to create, nothing to learn. Every total calculates itself, so there are no formulas to write and no cells to break.

Enter a paycheck and the dashboard updates instantly — safe-to-spend, bills due, debt timeline and net worth all move together.

Where your money data lives

Your records save straight to your own device and stay there. Nothing is uploaded unless you choose it. Optional free cloud sync keeps the same numbers on your phone, tablet and computer, and only you can see them.

Works on everything

Windows, Mac, iPhone, iPad and Android. Chrome, Safari, Edge and Firefox. The layout adapts to each screen, so the phone version is built for a phone rather than shrunk down.

Works with no internet connection at all.

What you receive

An instant download, available the moment payment clears. Nothing is shipped.

Inside: the planner itself, a plain-English quick-start guide, and a realistic sample dataset you can load to explore every feature before entering a single real number. Delete it in one tap when you are ready.

Yours to adjust

Rename categories, set your own budget amounts, choose your currency, pick a theme and set your pay cycle.

Before you buy

One payment. No subscription, ever. Free updates.

Budget Flow is a personal budgeting tool and is not financial advice.